1. Home
2. Blogs

Get Your Automobile Secured with HDFC ERGO’s Comprehensive Motor Insurance this Monsoon

• 
• 
• 
• 0
• 0

Published on January 4, 2019. EST READ TIME: 4 MIN

As the monsoon season arrives, it brings relief from the scorching heat, but also presents new challenges for vehicle owners. Heavy rains, waterlogged roads, and increased chances of accidents make it crucial to ensure your automobile is protected. Having a reliable car insurance policy is essential to safeguard your vehicle from potential damages during the monsoon. Let us explore the importance of motor insurance during the rainy season and check out the features and benefits of HDFC ERGO's comprehensive motor insurance. Additionally, we will provide tips on how to protect your car or bike during the monsoon.

The Importance of Motor Insurance during Monsoon:

Car insurance is crucial for vehicle owners, especially during the monsoon season. Heavy rains and unpredictable weather pose risks like water logging, accidents, and mechanical failures. Comprehensive motor insurance acts as a safety net, covering damages caused by natural calamities, such as floods, storms, and accidents. It safeguards your vehicle and provides financial protection against third-party liabilities.

Key Features of HDFC ERGO's Comprehensive Motor Insurance:

HDFC ERGO's comprehensive motor insurance is designed to offer extensive coverage and peace of mind to vehicle owners, particularly during the monsoon season. Some key features and benefits of HDFC ERGO's motor insurance include:

• Wider Scope of Coverage:

HDFC ERGO's comprehensive motor insurance offers coverage for third-party liabilities and own damage. It fulfills the mandatory requirement of third party car insurance and protects your vehicle from losses due to natural disasters, theft, and more. The policy also includes a personal accident cover for financial support in case of accidental deaths and disabilities.

• Option of Add-ons:

HDFC ERGO allows you to customize your comprehensive car insurancepolicy by selecting add-ons such as zero depreciation and no claim bonus protection. These add-ons enhance the coverage and make your policy more comprehensive. You can choose from a range of add-ons at fractional premiums to tailor the policy according to your needs.

• No Claim Bonus:

With HDFC ERGO's comprehensive motor insurance, you can earn a no-claim bonus for each claim-free policy year. The no-claim bonus provides a premium discount when you renew your policy. The discount starts at 20% after the first claim-free year and increases to 50% after five successive claim-free years, allowing you to enjoy significant savings on your own damage premium.

• Attractive Premium Discounts:

HDFC ERGO's comprehensive motor insurance offers premium discounts in addition to the no-claim bonus. These discounts are available for installing car safety devices, joining recognized automobile associations, buying the policy online, being an existing customer, and choosing a voluntary deductible. They make the premium more affordable, ensuring wider coverage within your budget.

• Cashless Repair Facility:

With HDFC ERGO's comprehensive motor insurance, you have the convenience of cashless repairs at networked garages. If your vehicle requires repairs due to damage, the cashless facility allows the insurer to handle the garage bills directly. This saves you from any financial burden, and your vehicle can be repaired seamlessly.

Benefits of Buying HDFC ERGO's Comprehensive Motor Insurance:

By opting for HDFC ERGO's comprehensive motor insurance, you not only meet the legal requirements but also gain access to a range of features and benefits that provide extensive protection for your vehicle.

• Third-Party Damage Coverage:

HDFC ERGO's comprehensive motor insurance covers third-party damages as required by the Motor Vehicle Act 1988, protecting you from fines while driving.

• Complete Protection:

With HDFC ERGO's comprehensive motor insurance, your vehicle is protected against unforeseen events like earthquakes, floods, theft, and fire, providing peace of mind and safeguarding your investment.

• Overnight Repairs:

If your vehicle gets damaged, HDFC ERGO's extensive network of 6700+ cashless garages ensures overnight repairs, minimising inconvenience caused by vehicle downtime.

• Customisable Add-on:

HDFC ERGO's comprehensive motor insurance allows customisation with add-on covers to meet specific car insurance needs, tailoring coverage according to your requirements and preferences.

How to Secure Your Car/Bike with HDFC ERGO:

Securing your car or bike with HDFC ERGO's comprehensive motor insurance is a straightforward process. You can follow these simple steps to get your vehicle insured:

• Research and Compare:

Evaluate different motor insurance policies based on coverage, benefits, and reviews. Compare features and prices to make an informed choice.

• Online Application:

Visit HDFC ERGO's website, provide vehicle and personal details, and select coverage preferences.

• Customization:

Tailor your policy to your needs by adding options like zero depreciation or engine protection.

• Documentation:

Complete necessary paperwork, including vehicle's RC, identification proof, and requested documents.

• Premium Payment:

Pay the premium using online methods like cards or net banking.

• Policy Issuance:

HDFC ERGO will issue your motor insurance policy after payment. Review it carefully for coverage, terms, and conditions.

Tips to Protect Your Car/Bike During Monsoon:

Apart from having comprehensive motor insurance, there are additional steps you can take to protect your car or bike during the monsoon season. Here are some essential tips:

• Regular Maintenance:

Ensure your vehicle undergoes regular maintenance, including servicing and oil changes. Check the brakes, tires, lights, and wipers to ensure they are in optimal condition.

• Water Wading:

Avoid driving through waterlogged areas, as it can lead to engine damage and electrical system failures. If you encounter a flooded road, find an alternate route or wait for the water to recede before proceeding.

• Parking:

Park your vehicle in a covered area or use a waterproof car cover to protect it from heavy rains and potential water damage.

• Tires and Tread Depth:

Check the tire pressure regularly and ensure proper tread depth. Bald tires can lead to reduced grip on wet roads, increasing the chances of skidding or accidents.

• Windshield Protection:

Apply a water-repellent coating on your windshield to improve visibility during heavy rain. Replace worn-out wiper blades for effective clearing of rainwater.

Conclusion:

Securing your automobile with comprehensive motor insurance is crucial, especially during the monsoon season, when the risks of damages and accidents are higher. HDFC ERGO's comprehensive motor insurance offers extensive coverage, including protection against natural calamities, accidents, and third-party liabilities. By following the tips mentioned above and investing in reliable motor insurance, you can enjoy a worry-free monsoon season, knowing that your vehicle is adequately protected. Don't wait until it's too late—get your automobile secured with HDFC ERGO's comprehensive motor insurance today.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

RELATED ARTICLES

Car Insurance Add-Ons That Can Protect Your Car in Monsoon

Does your car insurance cover monsoon damage?

Busting EV Monsoon Myths for a Safe Drive

Here's why your car insurance claim could get rejected during monsoons

Car Maintenance Tips in Monsoon - 6 smart ways to protect your car from monsoon woes

---

• 
• 
• 
•